Should I invest in Tata Business Cycle Fund?

We don't give personal investment advice. Tata Business Cycle Fund-Regular Plan-IDCW Payout is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. 5-year CAGR: 14.03%.

Tata

Tata Business Cycle Fund-Regular Plan-IDCW Payout

Latest NAV

₹19.2467

As of

17 Jul 2026

1,214 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	-0.24%	-0.06%	-0.18	109 / 168	Q3
1W	-0.68%	-0.22%	-0.46	138 / 168	Q4
2W	-0.31%	-0.98%	+0.67	121 / 170	Q3
1M	+1.22%	+0.82%	+0.40	114 / 170	Q3
3M	+3.97%	+3.83%	+0.14	90 / 170	Q3
6M	+3.73%	+1.86%	+1.87	73 / 162	Q2
YTD	+1.26%	-0.06%	+1.32	73 / 160	Q2
1Y	+0.52%	+1.21%	-0.69	80 / 150	Q3
2Y	-0.79%	-0.78%	-0.01	65 / 109	Q3
3Y	+13.79%	+9.09%	+4.70	28 / 76	Q2
4Y	+17.50%	+9.79%	+7.70	15 / 58	Q2
5Y	+14.03%	+5.30%	+8.73	8 / 48	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+14.23%	+7.30%	+6.93	37 / 170	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+1.26%	+1.20%	+0.06	73 / 158
2025	+0.41%	-0.40%	+0.80	60 / 129
2024	+18.06%	+19.58%	-1.52	47 / 84
2023	+33.87%	+28.75%	+5.11	19 / 62
2022	+13.47%	+0.21%	+13.27	11 / 54
2021	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+17.64%

49 windows

min -7.1% · max 54.2%

84% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+19.44%

24 windows

min 13.8% · max 25.8%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

13.68%

3-year · annualised

Sharpe ratio

0.54

vs risk-free 6.5%

Sortino ratio

0.89

Downside-only deviation

Max drawdown

-20.50%

Sep 2024 → Mar 2025

% positive months

66.7%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC INNOVATION FUND - IDCW - REGULAR PLAN	HDFC	₹11.1190	17 Jul 2026
Nippon India Active Momentum Fund- Regular Plan- IDCW Option	Nippon India	₹12.8415	17 Jul 2026
SBI Automotive Opportunities Fund - Regular Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹12.2938	17 Jul 2026
Invesco India Business Cycle Fund - Regular Plan - IDCW	Invesco	₹14.1900	17 Jul 2026
Bandhan Business Cycle Fund - Regular Plan - IDCW	Bandhan	₹9.9190	17 Jul 2026
quant BFSI Fund - IDCW Option - Regular Plan	Quant	₹21.0055	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - REGULAR - IDCW	Aditya Birla Sun Life	₹23.5200	17 Jul 2026
Motilal Oswal Active Momentum Fund - Regular- IDCW	Motilal Oswal	₹13.5064	17 Jul 2026
Mirae Asset Banking and Financial Services Fund Regular IDCW	Mirae Asset	₹21.9730	17 Jul 2026
Kotak Active Momentum Fund - Regular Plan - IDCW - Payout & Reinvestment	Kotak	₹10.6840	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹19.2467
16 Jul 2026	₹19.2931
15 Jul 2026	₹19.3193
14 Jul 2026	₹19.2482
13 Jul 2026	₹19.3346
10 Jul 2026	₹19.3784
9 Jul 2026	₹19.1220
8 Jul 2026	₹18.9316
7 Jul 2026	₹19.3075
6 Jul 2026	₹19.4217

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of Tata Business Cycle Fund-Regular Plan-IDCW Payout is ₹19.2467. It's a Sectoral/Thematic Fund from Tata, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Tata Business Cycle Fund-Regular Plan-IDCW Payout has NAV history starting from 11 Aug 2021, a track record of about 4 years 11 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

Tata Business Cycle Fund-Regular Plan-IDCW Payout is managed by Tata. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Tata Business Cycle Fund-Regular Plan-IDCW Payout has delivered a absolute return of 0.52% — -0.69 pp behind the Sectoral/Thematic Fund category average of 1.21%. The fund ranks #80 of 150 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Tata Business Cycle Fund-Regular Plan-IDCW Payout has delivered a CAGR of 13.79% — +4.7 pp ahead of the Sectoral/Thematic Fund category average of 9.09%. The fund ranks #28 of 76 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Tata Business Cycle Fund-Regular Plan-IDCW Payout has delivered a CAGR of 14.03% — +8.73 pp ahead of the Sectoral/Thematic Fund category average of 5.30%. The fund ranks #8 of 48 in its category — the top (Q1) quartile.

₹1 lakh invested in Tata Business Cycle Fund-Regular Plan-IDCW Payout exactly 5 years ago would be worth approximately ₹192,780 today — a multiplier of 1.93×, based on the 5-year CAGR of 14.03%. The category average over the same window would have grown ₹1 lakh to ₹129,463.

A ₹10,000 monthly SIP in Tata Business Cycle Fund-Regular Plan-IDCW Payout over the last 3 years — total invested ₹360,000 — would be worth ₹397,211 today. That's an XIRR (money-weighted annualised return) of 6.49%.

Tata Business Cycle Fund-Regular Plan-IDCW Payout doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹397,211 — XIRR 6.49%.

On a 5-year basis, Tata Business Cycle Fund-Regular Plan-IDCW Payout ranks #8 out of 48 funds in the Sectoral/Thematic Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 5.30%; this fund delivered 14.03%.

The worst peak-to-trough decline Tata Business Cycle Fund-Regular Plan-IDCW Payout has experienced over the last 3-year window is 20.50% — its NAV fell from a high on 26 Sep 2024 to a low on 03 Mar 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, Tata Business Cycle Fund-Regular Plan-IDCW Payout averaged 19.44% (best 25.75%, worst 13.79%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.54 — reasonable risk-adjusted performance.

In calendar year 2025, Tata Business Cycle Fund-Regular Plan-IDCW Payout returned 0.41% — beating the Sectoral/Thematic Fund category average of -0.40% by 0.80 pp. It ranked #60 of 129 in its category that year.

Tata Business Cycle Fund-Regular Plan-IDCW Payout is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. Tata Business Cycle Fund-Regular Plan-IDCW Payout is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. 5-year CAGR: 14.03%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.